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2. Frances decides to start investing for her retirement at age 25, while her brother, Noah, will start at age 45. If they both want to retire at age 65, and they can expect to earn an average of 5.8% compounded monthly on their respective investments, determine the following: [22 marks] a) What is the final amount at age 65 if they each invested $150/month? b) What would their monthly payments need to be if they both wish to retire with $1 000 000? c) Why does Noah need to invest so much more to reach his goal of $1 million